How much is the third party liability insurance for a car

Commercial third-party liability insurance: referred to as "three-party insurance" or "three-liability insurance", which mainly protects the personal and property losses of the third party in traffic accidents. And there is a compensation range for the three insurances, which I wrote in this article in detail:

【Third Party Liability Insurance】Everything you want to know is here!

Third-party liability insurance (referred to as three-liability insurance) refers to the economic responsibility that the insured or its permitted driver shall bear in accordance with the law if an accident occurs during the use of the insured vehicle, resulting in direct damage to the person or property of the third party, and the insurance company is responsible for compensation.

In fact, the commercial three liability insurance** is different due to different insurance companies and different channels, and the specific amount depends on the grade corresponding to the maximum compensation limit, and the premium also changes from low to high.

In layman's terms, it literally means a type of insurance that compensates for the loss of a third party. So who is the third party? What does it compensate? Here's an example:

If you drive and hit someone, the person is a third party;

If you drive into a car, the car that was hit and the people and property in the car are third parties;

If you drive your car and hit the roadside railing, then ** is a third party (the roadside is public property);

If you drive into a cat or a dog or a stall or a house, then the owner of these things is a third party;

Now there are so many luxury cars on the road, in case of a traffic accident, the compulsory traffic insurance is definitely not enough.

Therefore, the three liability insurance is also a must-buy, and the insured amount should exceed 1 million.

Seeing this, many car owners may say: "Isn't the compulsory traffic insurance I bought the same as the compensation?" Do you want to buy three more insurance? ”

In fact, there is a difference between the three insurances and the compulsory traffic insurance, which can be understood as the three liability insurance is the supplement of the compulsory traffic insurance in the amount insuredDo I still need to buy commercial third-party liability insurance with compulsory traffic insurance? How much is the warranty?

Hope!

The premium of third party liability insurance is related to the nature of the vehicle, the type of vehicle and the amount insured, and the discount coefficient of different car insurance companies will also affect the premium. For more knowledge about third-party liability insurance, you can see this information: [Third-party liability insurance] The issues that everyone is most concerned about are here.

1. What is third party liability insurance?

Third-party liability insurance mainly protects the personal and property losses of the third party in traffic accidents, and is a supplement to compulsory traffic insurance.

The third party is the object of protection of the third party liability insurance, so what does the "third party" refer to?

The insurance company is the first, the insured vehicle is the second, and the object of personal or property damage due to an accident of the insured vehicle is the third party. It should be noted that the following situations are not considered "third parties": the driver, passengers and property of the insured vehicle, and the person who gets out of the vehicle abnormally while the vehicle is in motion or when the vehicle is not stopped.

2. How much is the third party liability insurance?

The formula for calculating the premium of third party liability insurance is as follows:

Third Party Liability Insurance Premium = Benchmark Pure Risk Premium (1 - Surcharge Rate) * Discount Coefficient.

Benchmark pure risk premiumIt is related to the nature of the use of motor vehicles, the type of vehicles and the amount of insurance, taking Guangdong as an example

It can be seen that for private cars with less than 6 seats, the benchmark net risk premium is RMB for a third-party liability insurance with an insurance amount of 500,000 yuan, and the benchmark net risk premium for an insured amount of 1 million yuan is RMB.

Preferential coefficientThe calculation formula is: preferential coefficient = no compensation preferential coefficient independent underwriting coefficient independent channel coefficient, in most cases each company is the same, but it is not absolute, the specific ** needs to be subject to the insurance company**.

There are many types of car insurance, but there are not many types of insurance that must be bought, many types of insurance can be purchased on demand, blind insurance will only waste premiums, here is a car insurance purchase strategy, teach you how to buy car insurance is the most cost-effective: buy more waste, buy less and suffer losses! How much does it cost to buy car insurance a year?

Hope!

Hello! It is inevitable that there will be a run-in period between the new car and the car owner, and you are worried that your wife driving a new car is more prone to liability risks, so it is recommended that you get a suitable third-party liability insurance for your wife's new car as soon as possible.

How much is the third party liability insurance for a car

The premium of third-party liability insurance is determined according to the purchase of a new car** and the model of the vehicle, and the formula is: third-party liability insurance premium = fixed insurance premium corresponding to the fixed grade compensation limit. The same three-party insurance can get at least 15% of the ** discount through the purchase, as for how to buy the three-party insurance, you need to pay attention to the following points:

1. The key to choosing the right auto insurance company and insurance platform for commercial third-party insurance and choosing an insurance company is to see whether its claim channels are smooth.

2. See the restrictive provisions clearly, and the policyholder should read the deductible clause in the third-party liability insurance to avoid causing trouble after the accident.

3. Ask about the claim procedure, under what circumstances to report to the insurance company, what channels can be used to report the case, and how long the reporting period is.

For your wife's new car, you'd better have to combine it with other commercial car insurance. It integrates the commercial auto insurance products provided by a number of well-known auto insurance companies, and welcomes consumers to come to comprehensively compare and choose.

The cost of car insurance and third-party liability insurance is about 1,000 yuan to 3,000 yuan. There is no specific standard for how much is vehicle third-party liability insurance, which is generally determined according to the nature of the vehicle, the amount of insurance insured and the channel of insurance.

1. How much is the vehicle third party liability insurance?

The cost of vehicle third-party liability insurance is closely related to the nature of the vehicle, the amount of insurance insured and the channel of insurance, and there is no clear amount standard.

Premium for Commercial Third Party Liability Insurance = Base Premium Multiplied by the applicable coefficient in the applicable rate coefficient table. The higher the coverage amount, the more premiums you should pay.

Except for motorcycles and tractors, the maximum compensation limit of third-party liability insurance for automobiles is divided into the following grades: 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan, and the maximum is not more than 10 million yuan.

For example, if an ordinary family car (less than 6 seats) insures a third-party liability insurance of 500,000 yuan, the fixed cost for one year is 1,721 yuan, and then multiplied by the discount range of the insurance company to calculate. The cost is also different for different purchase channels. The calculation of the premium of the third party liability insurance has nothing to do with the purchase price of the vehicle, as long as the car owner follows the rate schedule, he can get a fixed rate, and then multiply it by the insurance company's discount range, which is the final premium amount.

2. What is Third Party Liability Insurance?

Third-party liability insurance refers to the economic responsibility that should be borne by the insured in accordance with the law in the event of an accident in the process of using the insured vehicle by the insured or its permitted drivers, resulting in direct damage to the person or property of the third party, and the insurance company is responsible for compensation. At the same time, if the insured incurs arbitration or litigation costs with the written consent of the insurance company, the insurance company shall compensate the insured beyond the liability limit, but the maximum shall not exceed 30% of the liability limit.

3. What is a third party in third party liability insurance?

The third party in the third party liability insurance refers to the victim other than the person in the vehicle and the insured in a road traffic accident caused by the insured motor vehicle.

According to the relevant laws and regulations, the compulsory insurance of motor vehicle traffic accident liability shall compensate within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by the road traffic accident of the insured motor vehicle.

Legal basis

Article 65 of the relevant provisions of the Insurance Law of the People's Republic of China: The insurer may directly compensate the third party for the damage caused to the third party by the insured of the liability insurance in accordance with the provisions of the law or the agreement of the contract.

If the insured of the liability insurance causes damage to a third party, and the liability of the insured to the third party is determined, the insurer shall, at the request of the insured, directly compensate the third party for the insurance money. If the insured fails to make a request, the third party has the right to directly claim compensation from the insurer for the part of the compensation to be paid.

If the insured of the liability insurance causes damage to a third party, and the insured fails to compensate the third party, the insurer shall not compensate the insured for the insurance money. Liability insurance refers to insurance that takes the insured's liability for compensation to a third party as the subject matter of insurance.

About 4000 yuan.

To slow down is car insurance.

Specifics:

Compulsory traffic insurance 950 yuan (must be purchased);

Car damage insurance.

almost 1000 yuan;

Third Party Liability Insurance.

You can guarantee 50,000, 100,000, and 200,000, and 100,000 is 600 yuan;

more than 300 theft insurance;

The personnel on the car are calculated according to 5 seats, and 10,000 yuan per seat is about 100 yuan;

The above items are exempt from deductible if they do not include travel.

It adds up to 400 yuan;

Spontaneous combustion insurance 50 yuan;

If the glass is damaged separately, it will be calculated as 100 yuan for domestic glass;

Scratch insurance 300 yuan.

and these 3 are not deductible of more than 50 yuan.

Commercial insurance for vehiclesIs a voluntary purchase:

The type of insurance that the insurance company agrees to underwrite is a supplement to the compulsory liability insurance; The commonly used types of commercial insurance are:

1. Car damage insurance and three-party insurance.

Car damage insurance and third-party insurance are vehicle insurance.

The basic insurance mainly compensates for the loss of the insured vehicle and the loss caused by the insured vehicle to a third party in use.

2. Liability insurance for personnel who dismantle the shed on the car.

In the event of an insured accident during the use of the insured vehicle, resulting in the personal life of the passengers in the car, the insurance company will compensate for it.

Third-party liability insurance is a commercial insurance, and commercial three-liability insurance** is different due to different insurance companies and different channels, and the specific amount depends on the corresponding grade of the maximum compensation limit.

1. What is Third Party Liability Insurance?

Third party liability insurance (referred to as three liability insurance), full name: commercial third party liability insurance. It refers to the amount of compensation that should be paid by the insured in accordance with the law due to the direct loss of personal or property suffered by a third party due to an accident that occurs in the process of using the insured vehicle by a qualified driver permitted by the insured, and the insurer will compensate in accordance with the relevant provisions of the insurance contract.

At the same time, if the insurance company agrees in writing, the insurance company shall bear the arbitration or litigation costs incurred by the insured. This type of insurance is mainly to ensure that the third-party victims of road traffic accidents receive timely and effective compensation. However, the aftermath of the accident needs to be handled by the insured.

The insurance company will pay you up to 30% of the limit of liability.

2. How much is the third party liability insurance?

Third-party liability insurance is a commercial insurance, and commercial three-liability insurance** varies from different insurance companies and different channels to insure, and the specific amount depends on the corresponding grade of the maximum compensation limit: the premium also changes from low to high.

1. Ordinary family cars (less than 6 seats) are insured with a third-party liability insurance amount of 500,000 yuan, and the fixed cost for one year is 1,721 yuan, which is then multiplied by the discount range of the insurance company to calculate.

2. The liability limit of each accident of the third-party liability insurance shall be negotiated and determined by the policyholder and the insurer at the time of signing the insurance contract according to the grades of 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan not exceeding 10 million yuan.

3. In different regions, the maximum compensation limit for motorcycles and tractors is divided into 4 grades: 20,000 yuan, 50,000 yuan, 100,000 yuan and 200,000 yuan; The maximum compensation limit for each accident of motorcycles and tractors is different for different regions, and the selection principle is consistent with the division of sales areas of motorcycles and tractor fixed coverage policies in the "Automobile Insurance Rate Regulations".

4. The maximum compensation limit of third-party liability insurance for automobiles other than motorcycles and tractors is divided into the following grades: 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan, and the maximum is not more than 10 million yuan. For example, passenger cars with less than 6 seats are divided into 50,000 yuan, 100,000 yuan, 150,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan and more than 1 million yuan and not more than 10 million yuan.

If your car has been in an accident and has made a claim, then when you buy third-party liability insurance again, it is possible to increase the insurance cost, which is also to encourage everyone to pay attention to obeying traffic rules and ensuring the safety of themselves and others, so as to avoid spending money on themselves and ensure the safety of others, so the insurance company will give a special discount.

Third-party liability insurance is still more important in car insurance, in addition to compulsory traffic insurance is the most important for him, because he is related to the safety of the other party's car and people, in addition, it is more expensive to buy, and don't be greedy for cheap, the amount of insurance bought is too low, and the consequences are unimaginable once an accident occurs.

About 1000 yuan. Because I just bought car insurance, the third-party liability insurance cost more than 1,000 yuan, so it costs about 1,000 yuan.